Gateway Metro Credit Union Info and Reviews
Gateway Metro Credit Union is the Missouri CU that we’ll be focusing on here. This article will cover info like their products, rates, membership eligibility and a lot more.
At the end of this article, you can add in your own personal review of this credit union if you have experience with them.
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*Routing #: 281082339
*Phone #: (800) 621-4828
*Locations:
Shiloh
848 N Green Mt Rd.
Shiloh, IL 62221
St. Peters Gateway Metro Credit Union
1421 Jungermann Road
St. Peters, MO, 63376
Twin Oaks
840 Meramec Station Road
Twin Oaks, MO 63088
Affton
35 Grasso Plaza
Affton, MO 63123
Downtown St. Louis
1001 Pine Street
St. Louis MO 63101
Downtown St. Louis Admin Building
1001 Pine Street
St. Louis, MO 63101
North County
2129 Charbonier Road
Florissant, MO 63031
South County Gateway Metro Credit Union
4566 Lemay Ferry Road
St. Louis, MO 63129
Florissant
(ATM LOCATION ONLY)
63 Florissant Oaks
Florissant, MO 63031
Imperial
(ATM LOCATION ONLY)
1282 Main Street
Imperial, MO 63052
A Little History on Gateway Metro Credit Union
This Missouri CU was started in a similar way to many of the others out there. It was originally chartered in 1935 by a group of Southwestern Bell employees. Since then, it has grown significantly and had some name changes, too.
Today, they have assets of just over $200 million and you can access your cash from there at over 30,000 ATMs because they are part of the CO-OP network.
Do they give back at all?
Gateway Metro Credit Union does give back. One of their efforts is something they call the Butterfly Project. Basically, the idea behind it is that even something as small as a butterfly has the power to do big things. They support one or multiple charities at a time with this project.
Member Eligibility at Gateway Metro Credit Union
If you want to become a member at this credit union, you’ll need to meet some requirements first. People who live, work, worship or attend school in the City of St. Louis, St. Louis, St. Charles, and Jefferson Counties in Missouri are eligible.
If you are in the counties of Madison, Monroe, and St. Clair of Illinois, then you’re in. Family can get you into Gateway Metro Credit Union, too. There are also a few other ways to get in that are worth reviewing, you can do that on their website here.
Businesses located in those areas are also eligible.
Their Products
Gateway Metro Credit Union offers a lot of different financial products. You can find both personal and business offerings there.
They have a handful of checking and savings products for all ages. There’s more here than at the typical small to mid-size credit union in Missouri. Gateway Metro Credit Union also has interesting incentives for people to save more – like their “Save to Win” certificates that enter people into drawings for money the more that they save.
There are IRA and HSA products as well as a lot of types of loans. Those include new/used vehicle loans, new & used recreation loans, student loans, real estate loans, and others.
Some of the more unique lending products include collateral-based loans, collateral-free loans, and signature/personal loans.
Rates at Gateway Metro Credit Union
EFFECTIVE DECEMBER 30, 2021
| LOAN TYPE / MODEL YEAR | TERM | APR AS LOW AS1 |
|---|---|---|
| NEW & USED VEHICLE LOANS | ||
| Up to 36 months | 1.99% | |
| 37 to 48 months | 2.20% | |
| 49 to 63 months | 2.50% | |
| 64 to 72 months | 3.00% | |
| 73 to 84 months | 4.75% | |
| NEW & USED BOAT/WATERCRAFT LOANS | 6.25% | |
| NEW & USED RV/TRAILER LOANS | 6.45% | |
| NEW & USED MOTORCYCLE LOANS | 4.50% | |
| SAVINGS-SECURED LOAN | 36 months | 2.049% |
| STOCK-SECURED LOAN | 36 months | 9.25% |
| LINE OF CREDIT | 48 months | 12.90% |
| SIGNATURE/PERSONAL LOAN | up to 60 months | 7.99% |
EFFECTIVE DECEMBER 30, 2021 at Gateway Metro Credit Union
| TYPE OF ACCOUNT | ANNUAL PERCENTAGE YIELD1 | BALANCE REQUIREMENT |
|---|---|---|
| SAVINGS | ||
| $5 to $100 | 0.00% | $5 |
| $101 & Higher | 0.01% | $101 |
| HOLIDAY CLUB | 0.01% | None |
| HEALTH SAVINGS ACCOUNTS | ||
| Checking at Gateway Metro Credit Union | 0.01% | N/A |
| 1 Year Certificate | 0.20% | $500 |
| 2 Year Certificate | 0.35% | $500 |
| 3 Year Certificate | 0.45% | $500 |
| IRA CONTRIBUTORY | 0.01% | $25 |
| CHECKING | ||
| Priority I | 0.00% | None |
| Priority II | 0.025% | $500 |
| Priority III | 0.05% | $1,500 |
| Rewards 365 | 1.65% | 1¢ |
| MONEY MARKET | ||
| $1,000 to $24,999 | 0.05% | $1,000 |
| $25,000 to $99,999 | 0.05% | $25,000 |
| $100,000 to $149,999 | 0.10% | $100,000 |
| $150,000 & Higher | 0.15% | $150,000 |
| SHARE CERTIFICATE at Gateway Metro Credit Union | ||
| 3 Month | 0.057% | $100 (Youth) or $500 (Regular/IRA) |
| 6 Month | 0.15% | $100 (Youth) or $500 (Regular/IRA) |
| 1 Year | 0.20% | $100 (Youth) or $500 (Regular/Health Savings/IRA) |
| 18 Month | 0.30% | $100 (Youth) or $500 (Regular/IRA) |
| 2 Year | 0.35% | $100 (Youth) or $500 (Regular/Health Savings/IRA) |
| 3 Year | 0.45% | $100 (Youth) or $500 (Regular/Health Savings/IRA) |
| 4 Year | 0.55% | $100 (Youth) or $500 (Regular/IRA) |
| 5 Year | 0.70% | $100 (Youth) or $500 (Regular/IRA) |
| 6 Year | 0.80% | $100 (Youth) or $500 (Regular/IRA) |
| 10% Youth | 10.00% | $100 minimum, $1000 maximum |
| Save To Win | 0.20% | $25 |
Gateway Metro Credit Union – Final Thoughts
GMCU is a great looking mid-size credit union. They have a larger variety of products than your typical credit union, so, you’ll be able to find something that fits your your needs. Whether you are looking for personal or business products, there should be something here that works. The folks at this Missouri CU also manage to give back to their community, which is also great to see. Do you have a review on them that you want to add? Submit it below! We just need your email address in case they ask us for it to reach out to you to resolve any potential issues.
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
*This site is not affiliated with the Credit Union mentioned in this article.